My dads estate has been closed for almost two years. His ambulance bill from the scene to the hospital has shown up on my credit history. I was executor and beneficiary (only child). I had talked to this company gave them all of the insurance info. They said they would file it. The say that they did but told me that BC/BS said there was no account. So I called BC/BS they gave a number the company could call. I relayed this info to the ambulance company. That was all I had hear of it. Credit was run to purchase a new home. Bingo there it was. I don't have the insurance info as the attorney said I didn't need it now. Am I really responsible for this bill? Do I call the UAW? Who do I call to get this off my credit? The collection company says I have to pay it to get it off there.
2007-02-07 04:48:39 · 4 answers · asked by misstigeress 4 in Business & Finance ➔ Credit
Dispute this item with all three credit bureaus.
Then send a certified letter (return receipt requested) to the collection agency trying to collect this debt.
Use the hyperlink below as it gives you sample letter to send. They have 30 days to respond to this letter from the date of receipt.
Going forward, all communication to this lying collection agency MUST BE IN WRITING as VERBAL COMMUNICATION shall not suffice!
Remember the collection agency must prove that this ambulance bill is YOURS which is hard to do since the ambulance didn't transport you AND you probably didn't sign paperwork saying that you assume financial responsibility for your father's medical bill!
2007-02-07 04:59:37 · answer #1 · answered by DaMan 5 · 0⤊ 0⤋
The credit bureaus talk a good game, but they are NOT your friend. They will act like they are just trying to help you, but actually they do sneaky things to keep inaccuracies on your report. I would recommend a credit repair attorney. A great one that I have used personally after my bankruptcy was BradleyRoss Law. They are a legit firm, nationwide and I think about $80 a month now, no contracts or obligations of committment for you to stay if you're unhappy with the results.
Here is some information about fair credit reporting, and if you want to take a look, call and ask questions, whatever, about bradleyrosslaw.com, you can check out their website for more info.
Federal Trade Commission
http://www.ftc.gov/
Fair Credit Reporting Act
http://www.ftc.gov/os/statutes/fcrajump.htm
About Credit Repair Organizations
http://www.ftc.gov/ro/chro/croa1.htm
2007-02-07 13:02:27 · answer #2 · answered by Marlietta 3 · 0⤊ 0⤋
Did you sign for services? If so even though the estate has been closed, you can still be held responsible for the debt. If not and this debt was his and his alone, then I would dispute with the repositories and notify the attorney who handled your father's estate. After the period allowed for claims on the estate, any other bills are considered null and void.
2007-02-07 14:03:09 · answer #3 · answered by Lady79 2 · 0⤊ 0⤋
Since you were the executor and beneficiary, contact the lawyer you were working with, explain what you have said. He may be able to help you get it off of your record.
2007-02-07 13:00:02 · answer #4 · answered by Army Veteran 2 · 0⤊ 0⤋